Name of the Claimant - Lowell Portfolio I LTD Date of issue – 08/02/2017 Date to acknowledge - 26/02/2017 Date to defence - by 4pm 10/03/2017 What is the claim for? 1) The Defendant entered into a consumer credit act 1974 regulated agreement with Provident personal Credit limited under account reference ********* ('the agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 29/08/2014 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £1,***.** remains due and outstanding And the Claimant claims a)the said sum of £1,***.** b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of the assignment to the date of issue, accruing at a daily rate of £0.404, but limited to one year, being £147.28 C) Costs What is the value of the claim? £1988.28(for a £900 loan) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Provident Doorstep loan When did you enter into the original agreement before or after 2007? After 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim? Issued by Debt Purchaser Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Unable to tell as she didn't keep letters sent to her, but probably. She recalls letters from Lowell last year but it could be from something else. She has also moved once since this was taken out. Did you receive a Default Notice from the original creditor? Unable to tell as she didn't keep letters sent to her, but probably. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unable to tell as she didn't keep letters sent to her, but probably. Why did you cease payments? Agent never turned up. What was the date of your last payment? She thinks one payment was made around September 2013 Was there a dispute with the original creditor that remains unresolved? Agent stopped turning up. This was a second loan with them at the time and the agent had turned up for the first one every fortnight for about 6 months. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, when no-one turned up she just ignored the problem. So, just defended an older one with these guys for her(literally about a week before this was issued) and now another one. At least she was not in floods of tears this time. I am assuming to go down the same route of Acknowledge service and send out a CPR and CCA?